CreditCards.com is an independent, advertising-supported comparison service. The offers that appear on this site
are from companies from which CreditCards.com receives compensation. This compensation may impact how and
where products appear on this site, including, for example, the order in which they may appear within listing
categories. Other factors, such as our own proprietary website rules and the likelihood of applicants'
credit approval also impact how and where products appear on this site. CreditCards.com does not include
the entire universe of available financial or credit offers.

Good to Excellent
Credit Recommended (670-850)
?
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering
your credit card application.
?

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

OK

at Capital One's Secure Site

Rewards Rate

4%Earn unlimited 4% cash back on dining and entertainment

2%Earn 2% at grocery stores

1%Earn 1% on all other purchases

At A Glance

Intro Bonus

$500

?

$500 after you spend $3000 on purchases within 3 months from account opening

?

$500 after you spend $3000 on purchases within 3 months from account opening

OK

Annual Fee

$95, waived first year

Regular APR

16.24% - 25.24% variable

See More Details

Earn a one-time $500 cash bonus after you spend $3000 on purchases within the first 3 months from account opening

Earn unlimited 4% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases

No rotating categories or sign-ups needed to earn cash rewards; plus cash back won't expire for the life of the account and there's no limit to how much you can earn

No foreign transaction fees

Capital One cardholders get access to premium experiences in dining, entertainment and more

$0 intro annual fee for the first year, $95 after that

Rates & Fees

Good to Excellent
Credit Recommended (670-850)
?
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering
your credit card application.
?

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

OK

at Citi's Secure Site

Rewards Rate

2%Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay

At A Glance

Intro Bonus

No current offer

Annual Fee

$0*

Regular APR

15.49% - 25.49% variable

Show Less

Highlights

Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay

Balance Transfers do not earn cash back

0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.49% - 25.49% based on your creditworthiness*

Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases

No categories to track, no caps on cash back, no annual fee*

Rates & Fees

Fair to Good
Credit Recommended (580-740)
?
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering
your credit card application.
?

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

OK

at Capital One's Secure Site

Rewards Rate

This card doesn't offer cash back, miles, or points

At A Glance

Intro Bonus

No current offer

Annual Fee

$0

Regular APR

24.99% variable

Show Less

Highlights

Pay no annual fee

Get access to a higher credit line after making your first 5 monthly payments on time

Fraud coverage if your card is lost or stolen

Use online banking to access your account, even from your smartphone, with our mobile app

Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you

Good to Excellent
Credit Recommended (670-850)
?
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering
your credit card application.
?

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

OK

at Bank of America's Secure Site

Rewards Rate

3%Earn 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter

2%Earn 2% at grocery stores and wholesale clubs for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter

1%Earn 1% cash back on every purchase

At A Glance

Intro Bonus

$200

?

$200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

?

$200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

OK

Annual Fee

$0

Regular APR

15.24% - 25.24% variable

Show Less

Highlights

No annual fee

New Offer: $200 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter

Good to Excellent
Credit Recommended (670-850)
?
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering
your credit card application.
?

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

OK

at HSBC's Secure Site

Rewards Rate

This card doesn't offer cash back, miles, or points

At A Glance

Intro Bonus

No current offer

Annual Fee

$0

Regular APR

Variable APR of 12.99%, 16.99% or 20.99% will apply after the Introductory Period

Good to Excellent
Credit Recommended (670-850)
?
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering
your credit card application.
?

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

OK

at Citi's Secure Site

Rewards Rate

This card doesn't offer cash back, miles, or points

At A Glance

Intro Bonus

No current offer

Annual Fee

$0*

Regular APR

15.99% - 25.99% variable

Show Less

Highlights

The only card with No Late Fees, No Penalty Rate, and No Annual Fee... Ever

0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness

0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.99% - 25.99%, based on your creditworthiness

If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full

There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater

The same great rate for all balances, after the introductory period

Save time when you call with fast, personal help, 24 hours a day — just say "representative"

Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Good to Excellent
Credit Recommended (670-850)
?
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering
your credit card application.
?

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

OK

at HSBC's Secure Site

Rewards Rate

10%10% Anniversary Bonus on all Cash Rewards earned once a year

1.5%Earn unlimited 1.5% cash rewards on all purchases

At A Glance

Intro Bonus

$150

?

$150 Cash Back Intro Bonus for new HSBC Cash Rewards Mastercard® credit card customers who spend $2,500 or more in new, net card purchases during the first 3 months from credit card account opening.

?

$150 Cash Back Intro Bonus for new HSBC Cash Rewards Mastercard® credit card customers who spend $2,500 or more in new, net card purchases during the first 3 months from credit card account opening.

Fair to Good
Credit Recommended (580-740)
?
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering
your credit card application.
?

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

OK

at Capital One's Secure Site

Rewards Rate

1.5%Earn unlimited 1.5% cash back on every purchase, every day

At A Glance

Intro Bonus

No current offer

Annual Fee

$39

Regular APR

24.99% variable

Show Less

Highlights

Earn unlimited 1.5% cash back on every purchase, every day

Earn cash rewards without signing up for rotating categories

Get access to a higher credit line after making your first 5 monthly payments on time

Rates & Fees

Good to Excellent
Credit Recommended (670-850)
?
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering
your credit card application.
?

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

OK

at Bank of America's Secure Site

Rewards Rate

3%Earn 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter

2%Earn 2% at grocery stores and wholesale clubs for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter

1%Earn 1% cash back on every purchase

At A Glance

Intro Bonus

$200

?

$200 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

?

$200 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

OK

Annual Fee

$0

Regular APR

15.24% - 25.24% variable

Show Less

Highlights

New Offer: $200 cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening

All 30 team cards are available, customized with your favorite team's colors and logo

Earn 1% cash back on every purchase, 2% at grocery stores and wholesale clubs, and 3% on gas for the first $2,500 in combined grocery/wholesale club/gas purchases each quarter

No annual fee

No changing categories and no expiration on rewards

Get a 10% customer bonus every time you redeem cash back into a Bank of America® checking or savings account

Editorial disclosure: All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.

Comparing Offers from Mastercard

By: Laura Mohammad

Mastercard, one of the world's dominant payment systems, teams up with such giants as Bank of America and Citi to bring you all manner of cards, from credit-builder cards to exclusive travel products. This brand also offers its own benefits, from security to its proprietary Priceless Cities program. Here, we look at:

Deeper analysis on best cards

Capital One® Savor® Cash Rewards Credit Card

The Savor is a no-brainer if you spend a decent amount on food, with 4% cash back on dining and entertainment. On top of that, you have 2% cash back at grocery stores and no foreign transaction fee, making it suitable for a wide variety of uses. The sign-up bonus is easily one of the best available offers right now, with a $500 cash bonus for spending $3,000 in your first 3 months.

Highlights

$95 annual fee is waived for your first year

Cash back of 4% on dining and entertainment, 2% at grocery stores, 1% on all other purchases

Able to redeem any amount of cash back at any time

Citi® Double Cash Card

This card is perfect for the consumer who wants to set it and forget it – no dealing with rotating categories or even tiered categories. With Citi Double Cash, you earn 1% back on every purchase, then another 1% when you pay, bringing the total in cash back to 2%. So, $1,000 spent a month comes to $240 back at the end of your first year.

Highlights

Capital One® Platinum Credit Card

This card is ideal for the consumer who is looking to improve his credit. Accepting fair, limited or average credit, the Capital One Platinum has no annual fee and gives you access to a higher credit limit after you make your first 5 payments on time.

Highlights

Pay by check, online or at a branch, no fee

Pick your monthly due date

No annual fee

Citi PremierSM Card

Just as the Chase Sapphire Preferred Card is the posterchild of travel rewards among Visa cards, the Citi Premier is the king of travel among Mastercards. In fact, you could make a strong argument that it is an even more attractive offer than the CSP, as it features higher rewards for travel purchases.

Highlights

50,000 point sign-up bonus (redeemable for $625 in airfare) after spending $4,000 in the first 3 months

3X points on travel purchases, including at gas stations

$95 annual fee is waived for the first year

Bank of America® Cash Rewards credit card

This card is right for the consumer who has a big road trip planned this summer, with its 3% cash back on gas. There's also 2% back on grocery stores and wholesale clubs – those 3 categories are for up to $2,500 a quarter combined. That means if you spend $500 a month on food and $300 a month on gas, you'll get $228 cash back your first year. It's 1% back on all other purchases.

This card also gets you a $200 cash bonus after a $500 spend within 90 days of card membership.

Highlights

No annual fee

Get 10% customer bonus every time you redeem cash back into a Bank of America checking or savings account

No changing categories or expiration on rewards

HSBC Gold Mastercard® credit card

Another solid offer from HSBC, the Gold Mastercard is designed for balance transfers and big-ticket purchases. Simply put, if you are looking for a credit card with low regular APR in addition to a nice long intro 0% APR offer, this is your best bet.

Highlights

Citi Simplicity® Card

This card is hard to beat when you have interest charges piling up. With the Citi Simplicity, you can get 21 months of 0% APR on balance transfers and 12 months of 0% APR on purchases (then 15.99% - 25.99% variable). So, whether you already owe on a previous card or you have a car repair bill looming, you can save money with the Simplicity's introductory offer. There's also the promise of personal, live service and you can choose your due date.

Highlights

No annual fee

No late fees

No penalty rate

HSBC Cash Rewards Mastercard® credit card

The HSBC Cash Rewards card is interesting in that it offers a 10% anniversary bonus on the cash back you earn, thus setting itself apart from other 1.5% cash back cards. The sign-up bonus unfortunately requires much greater effort than what you would expect: $150 for making $2,500 of purchases in your first 3 months.

Highlights

No annual fee and no foreign transaction fee

Unlimited 1.5% back in cash rewards on every purchase

10% anniversary bonus once a year

Capital One® QuicksilverOne® Cash Rewards Credit Card

Trying to build your credit but itching to jump into the rewards game? The QuicksilverOne Cash Rewards is an excellent choice. Not only are consumers with average, limited or fair credit accepted, but they get a competitive 1.5% cash back on purchases. You can also monitor your credit with the CreditWise app, which is available to everyone.

Highlights

Annual fee is only $39

No rotating categories

No limit on the amount of cash back you earn

MLB™ Cash Rewards Mastercard® from Bank of America

In addition to superior rewards and an excellent sign-up bonus, this card allows you to show your true colors by displaying on your card the logo and colors of your favorite of 30 teams.

There's also a $200 sign-up bonus after a $500 spend within 90 days of card membership, as well as 3% back on gas and 2% back on grocery stores and wholesale clubs, with a $2,500 quarterly limit for these 3 categories. It's 1% back on all other purchases.

Highlights

What is Mastercard?

As a network, Mastercard doesn't issue cards directly – rather, it partners with massive banks such as Bank of America, as well as your local bank or credit union, which provide cards that carry the Mastercard logo. Then, Mastercard also partners with millions of merchants around the world, which accept cards with their logo while paying a processing fee. Products can be debit, prepaid, charge or credit cards.

Mastercard is one of the dominant card networks, which also include Visa, Discover and American Express. Accepted throughout the world, it is one of the go-to networks for worldwide travel.

There are a number of unique advantages to using a Mastercard, including worldwide acceptance. In fact, in recent years, Mastercard's international growth has been considerably greater than U.S. growth, with the debit and prepaid markets being particularly strong:

Mastercard's unique programs

Mastercard offers unique programs and benefits such as the Priceless series, SecureCode, and Masterpass.

Priceless

With Priceless Cities and Surprises, you can get once-in-a-lifetime experiences from sporting events to dining experiences. Go on a safari in the Dubai desert. Or experience a surprise of a lifetime after using your Mastercard. The world is yours with a Mastercard.

SecureCode

Mastercard SecureCode is a private code for your Mastercard account that only you and your financial institution see. Merchants don't see it. You can use SecureCode in 122 countries at more than a million online merchants. It's easy to activate:

Verify your identity. To enroll, you will be asked to confirm your identity by providing answers to security questions.

Create your SecureCode. Once you have answered the security questions, you will be asked to create your secure code.

Registration is complete. Once you have created your SecureCode, your enrollment is complete and you are ready to begin shopping online.

Masterpass

A digital wallet, Masterpass works online, in apps and in stores and on any device. You can store your cards and shipping information electronically, allowing you to shop from one account. You just register on masterpass.com or through your bank and load your Mastercard credit or debit card.

You can use Masterpass at thousands of online merchants and at more than a million store locations. You get multi-tiered security and Zero Liability protects you from unauthorized purchases.

World and World Elite categories

There are 2 exclusive categories with the Mastercard suite – the World and World Elite, each with excellent benefits when you use your Mastercard.

World

Free shipping with more than 140 online stores

Home sharing – choose from more than 10,000 rentals in cities worldwide

Priceless Cities

Identity theft

Room upgrades

Vacation packages

Airport concierge

World Elite

Free shipping

Home sharing

24/7 concierge

Priceless Cities

Identity theft

Trip cancellation insurance

Room upgrades

Vacation packages

Airport concierge

Mastercard benefits for small businesses and merchants

Businesses

Mastercard's lineup for businesses ranges from employee spending controls to access to a portfolio of hotels and resorts. For example:

Hotels and resorts portfolio

Experience room upgrades, early check-in and late check-out, and daily breakfast for two. You also get savings and deals on air, hotel, rental car and more.

Employee spending controls

With Mastercard in Control for Business, you can delegate spending to employees safely and efficiently. With this program, you can create customized spending profiles that specifies how, when and where employees spend. You can also create limit-use cards that employees can use to make secure purchases online.

Business insights

Mastercard Advisors provides you with insights into consumer behavior. From access to early industry sales data to models that score likely consumer engagement, Mastercard offers a host of tools that can help you expand your business.

Smart Data

These tools help you with compliance, reporting and analysis. This online expense management system allows you to manage and control spending, generate spending reports and integrate purchase data into accounting software.

Priceless Cities

Use out-of-this-world experiences to impress clients. Take a cooking class at Miami's Wynwood Yard or take an insider's tour of New York's Theater District with a star actor – the possibilities are limitless.

Laura is an editor and writer at CreditCards.com. She has written extensively on all things credit cards and works to bring you the most up-to-date analysis and advice. Laura's work has been cited in such publications as the New York Times and Associated Press. You can reach her by e-mail at laura.mohammad@creditcards.com and on Twitter @creditcards_lm.

Contact

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ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. The offers that appear
on this site are from companies from which CreditCards.com receives compensation. This compensation may impact how
and where products appear on this site, including, for example, the order in which they appear within listing categories.
Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact
how and where products appear on the site. CreditCards.com does not include the entire universe of available financial
or credit offers.
CreditCards.com credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores.
If you apply for a credit card, the lender may use a different credit score when considering your application for credit.